Fully Underwritten vs Simplified Issue vs Guaranteed Issue

[LostDollar]

Don't forget to take a look at RNA as well. Might be cheaper than Oxford as well as easier UW.

Hi Todd,

Thanks for the suggestion. While the Oxford premium may not be the cheapest, it was acceptable after other quotes I've had.

I worked with an agent JD suggested this morning and the application was quick and easy. In theory, I have an approved application waiting for a check.

I have had a problem before with Oxford changing the premium for an application, I'll see what happens this time.

 

[LostDollar]

I have a good friend in Kansas and he is one of FEX's top agents. Life and medicare. I doubt he posts here. There is an agent that posts here sometimes that I consider an annuity expert. He's not in Kansas but he's licensed there. I know he writes the Oxford plans.

Oxford is age last birthday on their FE. I would guess on their other products too?

Done (unless there are any hitches in their final review).

I have been fretting about this for several years, I am happy to have a decision and process in place.

Thanks.

 

[Newby]

Did you ever meet him? He was huge! When I met him he had lost a couple hundred pounds but was still carrying over 400 lbs. Stood about 6'8". He was trying to get healthy, but just didn't do it in time...or at least that's what I believe.

No. I knew he was large but didn't know how large.